Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 3.9%, coupled with a return on assets of 2.5 has resulted in Good (6.3) profitability.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 30.0 percent and a “hot money” ratio of 0.0 percent. A current level of 2.2 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (68%), other (32%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3093 Ohio Drive
Henderson, KY 42420
Henderson, KY 42420
Phone Number
(270) 827-7808
NCUA Charter Number
Website
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